Home insurance needs to be readied for winter risks

Published 3:56 pm, Saturday, February 4, 2012

Connecticut Insurance Commissioner Thomas B. Leonardi has reminded consumers to review their policies with their carrier or agent to ensure they are adequately protected during this winter season.

"The most recent winter was one for the books as Connecticut residents coped with one of the snowiest winters on record, and the property damage was extensive. That is why it is extremely important to understand your policies and your coverage needs as we head into another winter storm season," Leonardi said.

"The Insurance Department has a number of resources to help you safely and smartly navigate all the seasonal risks in Connecticut," he said. "I encourage consumers to visit our online "Be Prepared" Web page, which has a wealth of information on winter coverage FAQs, claims filing tips, links to federal and state emergency assistance and tips on how to prevent the most common types of winter losses."

The Web site resources include safety tips on fire safety and a downloadable brochure on preventing ice dams and frozen pipes.

The department offers the following general guidelines for winter claims:

Roof collapses -- Homeowner policies will normally cover sudden and accidental roof collapses. However, damage caused by age or pre-existing damage could be denied reimbursement.

Snow removal -- Keeping roofs clear will help prevent collapses during heavy winter snowfall. Homeowners insurance does not cover injuries to the homeowner during snow removal. However, snow removal professionals should be covered under their own liability policies.

Ice dams -- Cost to remove ice dams is normally not covered, but interior or exterior damage caused by an ice dam on your roof is usually covered.

Frozen pipes -- Most policies will not cover the cost to replace broken pipes but will pay for the damage caused by the frozen pipes. Coverage may not apply if you turned off the furnace for the winter without winterizing the home or contents, or if you fail to protect the pipes from freezing during a power outage. It's recommended that you set your thermostat no lower than 55 degrees if you are away for an extended period time.

Storm power outages -- Some policies will pay for spoiled food, but check with your agent to be sure. Temporary living expenses generally are not covered unless there is direct, covered damage to the home.

Renters -- The landlord's insurance will pay for winter damage to the building. It will not pay for damage to personal contents, which must be covered by the renter's own insurance.

The department recovers an average of $3 million to $4 million yearly on behalf of consumers and regulates the industry by ensuring carriers adhere to state insurance laws and regulations and are financially solvent to pay claims.

Consumers with questions or complaints about claims are urged to contact the Connecticut Insurance Department at 1-800-203-3447 or visit www.ct.gov/cid and click on Question/Complaint.